Morton Michel

ChildMinder Insurance from Morton Michel

Nanny

Frequently Asked Questions

Why do I need public liability insurance?
Am I able to apply for insurance online?
What are the Ofsted Voluntary Register and the Voluntary part of the Childcare Approval Scheme (CAS)?
How many children am I covered for?
Am I covered if I take the children on outings?
Am I covered in a nanny share arrangement?
Am I covered if I nanny abroad with my employer’s family?
Will I receive a policy document telling me exactly what I’m covered for?
Supposing a child has an accident during the period of my insurance policy but does not bring a claim against me until months or years later, when I no longer have a policy in force. Will I still be covered?
Am I covered for taking minded children in my car?
So what is contingent motor liability then?
Do my employer’s need their own insurance for me to work in their home?

Why do I need public liability insurance?
Public liability insurance covers you for anything that may happen to the children in your care for which you can be held legally liable. It could be something as simple as a child being scalded by a hot drink left within reach, or it could be a baby wriggling and falling off a changing table, or a toddler choking on something they should not have had access to. If you are considered to be negligent at the time the accident happened, you could find yourself having to pay damages for any injuries sustained.

Am I able to apply for insurance online?
Yes you are able to apply for your Nanny insurance on this site. Please to go to our Online Nanny Proposal Form.

What are the Ofsted Voluntary Register and the Voluntary part of the Childcare Approval Scheme (CAS)?

Nannies, Maternity Nurses, Doulas and Childminders who care for children over the age of 8 only have not previously required registration. However they are now able to register under the voluntary part of the Childcare Approval Scheme (CAS) in Wales. These schemes offer the choice of registration to providers who are not eligible for compulsory registration. By joining the voluntary register, providers show parents who use thir services that they meet certain requirements designed to safeguard children and are monitored through inspections. Parents who use registered childcarers may be eligible to claim the childcare element of working tax credit.

Childcarers who are registered are entitled to a £5 discount off their Nanny insurance premium.

How many children am I covered for?

The number of minded children in your direct and immediate personal care at any one time must not exceed six.

Am I covered if I take the children on outings?

Yes, the Nanny policy will cover you anywhere within the UK – whilst carrying out your activities as a home-based childcare professional.

Am I covered in a nanny share arrangement?

Nanny share situations are automatically covered, provided you are within any Ofsted / other registering authority rulings on the number of children you take care of and any registration requirements.

Am I covered if I nanny abroad with my employer’s family?

Our nanny policy will cover you to mind children anywhere in the world, for a maximum period of 60 days in any one period of insurance provided that the children minded by you abroad are the minded children that you are employed to look after in the UK, at least one parent of the minded children must be on the trip with you , and you must have travel insurance in force for the complete duration of the trip.

Will I receive a policy document telling me exactly what I’m covered for?

Yes. When you take out a Nanny policy with Morton Michel you will receive a Schedule of Insurance detailing your cover limits and a policy booklet detailing all the policy cover and conditions so you can refer to them at any time. This gives you the piece of mind of knowing exactly what you are covered for.

Supposing a child has an accident during the period of my insurance policy but does not bring a claim against me until months or years later, when I no longer have a policy in force. Will I still be covered?

By law, a claim can be brought against a childcare professional up to a child’s 21st birthday – long after they have left your care. Our insurance will cover you if you had a policy in place at the time of the accident and are legally liable for the accident. Some other companies only offer policies that cover you during the time that you are paying for the insurance so, as soon as you stop paying, so does the cover. However, any incident that could result in a claim being made should be reported to Morton Michel.

Am I covered for taking minded children in my car?

Your Nanny policy will not cover you for using your car in connection with your childcare business. You will need to check with your current motor insurers to arrange adequate cover.

Our motor policy is specially designed to cover you in connection with your nanny business. If you would like a quotation please call freephone 0800 975 4898.

So, what is contingent motor liability?

Contingency motor liability does not replace your ordinary motor insurance and it does not cover the motor vehicle or its contents. It provides cover if you use someone else’s vehicle (with their permission) in relation to your home based childcare business and a motor accident occurs for which you are legally responsible, but the vehicle owner does not have the necessary business cover in place. However you must take all reasonable precautions to ensure that any vehicle used has appropriate motor insurance.

Do my employer’s need their own insurance for me to work in their home?

Yes, your employing family should have their own Employer’s Liability cover to cover you if you sustain an injury in their home as a result of their negligence. However, this is something that is normally added on to a Household Contents policy so, in the first instance they should contact their current insurers. If they are unable to extend their current policy Morton Michel offer a Household cover for families employing home-based childcare professionals, call freephone 0800 975 4898 for further information.

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